Sorting real refinance offers from aggressive mail aimed at VA homeowners
Red flags
Safeguard
Be cautious with offers that create urgency, quote a payment without your details, promise cash or skipped payments as the main benefit, or push you to refinance again soon after your last refinance. None of these prove fraud, but each is a reason to slow down and compare written Loan Estimates from other lenders.
Last reviewed against the primary sources listed below.
Common signs
- Deadlines and final notices.
- A payment quoted before any application.
- Skipped payments as a selling point.
- Pressure to sign quickly.
- Hard-to-find company details.
Mailer questions
Are all refinance mailers scams?
No. Many come from real lenders. The point is to verify and compare.